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I've been known as a frugal guru among my friends for, oh, about 20 years or more. But there's one piece of money advice that I hear everywhere that just doesn't work for me. Having a budget.
Since I graduated college, I have been selling on
eBay. I've been blogging for years. I recently joined a
direct sales company As anyone who works at home knows, there can be some months you may make thousands, and other months you might make under $20. (I've had both!) The financial experts say to budget with your smallest month in mind, but that does NOT work for me. How can I budget paying $600 of utilities on a $20 budget? It just can't happen.